Ladder API
The Ladder API is an embedded term-life-insurance distribution surface for partner platforms. It is delivered primarily as a client-side JavaScript integration — a partner loads Ladder's v3 bundle, constructs a LadderAPI instance with a user auth token minted by the partner's own backend, and mounts one of Ladder's flows into a container element on the page. The published surfaces are the Embeddable API (the full white-labeled application flow), the Quoter API (price estimates in the partner's UI), the Connector (pre-fills known applicant data and deep-links into the right step of Ladder's application), the Calculator (coverage-needs questionnaire), and the Account Manager (lets a partner's users manage existing Ladder policies in-app). Reference documentation is gated behind a partner access request; the public surface documents the integration model, the loader, and the product set.